Jayapal is a postgraduate in town planning from the School of Planning, CEPT, Ahmedabad and a doctorate in Planning from the Indian Institute of Technology (IIT), Kharagpur. He has over three-and-half decades of experience in urban and regional planning, and housing and urban infrastructure finance & development.
He has worked in prestigious Institutions such as the Central Town & Country Planning Organization (TCPO), National Capital Region Planning Board (NCRPB), and the Housing and Urban Development Corporation (HUDCO) at New Delhi. He has superannuated from HUDCO in October 2018 as Senior Executive Director (Project – Operations). Dr Jayapal has also been the nominated coordinator from HUDCO of the Asia Pacific Ministerial Conference on Housing and Urban Development (APMCHUD) for a decade (2007-2017), which is an inter-governmental institutional mechanism for collaboration and cooperation in the field of housing and urban development among Asia Pacific countries.
Dr Jayapal has over 20 articles in various publications to his credit and has presented papers in various international and national conferences. He has delivered special lectures at Indian Planning Schools and has been nominated to various academic committees.
Manvita Baradi has over 25 years of technical experience in developing and administering programs to local governments in the areas of service delivery, local governance, urban planning, heritage management, citizen participation, capacity building of local government associations, development of urban indicators and performance measurement and international development. She has served as Director-South Asia for the International City/County Management Association (ICMA), been technical consultant for United Agency for International Development (USAID) and served as an expert on World Bank funded programs for local governance, association development and urban planning programs in post-conflict regions like Afghanistan, Indonesia and Sri Lanka. In her role as director of UMC, she provides expert guidance to the various projects undertaken by the organization. She is the Gujarat State Convener of Indian National Trust of Art and Cultural Heritage (INTACH). Manvita is an alumni of the senior executive institute, Darden Business School, University of Virginia, USA. And has done a summer course for local government management from University of Illinois, USA. Manvita is passionate about theatre and is a renowned name in Gujarati theatre. She has been actively involved in developmental communication using street theatre as an effective medium for communication. She has guided over half a dozen video productions on urban issues. She effectively uses her knowledge of city planning, design and theatre to work with people across age groups and knowledge skills. Manvita also serves as the Dean of School of Habitat Management at CEPT University. firstname.lastname@example.org
Meghna Malhotra has been working in the fields of urban governance and urban management across sectors including urban health, performance measurement, urban water and sanitation and in supporting local government associations’ development. Over the past 18 years, she has provided extensive technical support to programs in India, Sri Lanka, Indonesia and Afghanistan. She supported the operationalisation of local government associations in India and has been the technical facilitator for several USAID supported programs for Afghanistan, Sri Lanka and Indonesia.
Meghna currently manages the convergence program between the National Urban Livelihoods Mission (NULM) and Swachh Bharat Mission (SBM). She also leads the team supporting SBM in Gujarat. She has facilitated climate change and urban health programs and city specific action plans. She has managed city partnerships programs which UMC-ICMA facilitated between Indian and US Cities. Well aware of the role of communication in local urban governance, she is actively involved in designing Information Education Communication and Behaviour change communication plans for local governments. She is also a visiting faculty at CEPT University.
Meghna is a graduate in Architecture and holds a Master’s degree in Environmental Planning. She is passionate about sustainable solutions which local governments can implement and has been involved in several capacity needs assessment exercises for state and local government institutions. She also took the lead in writing a manual for local governments to prepare their disaster management plans. Meghna has assisted in compiling and designing books documenting built heritage in Surat and Ahmedabad; a manual on Documentation of Best Practices, the role of an association in the transfer process and a Starter Kit on formation of Local Government Associations. email@example.com
Anurag Anthony has 10 years experience of working in association with local governments. His key areas of expertise include statutory master plans, sanitation, transport and heritage. Anurag has contributed in various capacities for preparation of city sanitation plans, SWM Master Plans and DPRs, heritage documentation and management, urban design plans, municipal data management and improvement studies, urban poverty schemes, policies under the Swachh Bharat Mission and industrial area planning. Anurag has academic exposure and professional experience in India, USA, UK, Italy, Pakistan and Libya. A graduate in Architecture, Anurag has a Masters degree in Architecture (Urban Design), MSc in International Trade & Transport, London, MBA in International Business, Pondicherry and is currently pursuing Environmental Law from NLSUI Bangalore. firstname.lastname@example.org
Arvind Kumar Singh is a development professional with over 14 years work experience in the water and sanitation sector. He has significant experience in implementation of community based, demand driven state/national programs on safe drinking water and sanitation in the states of Gujarat, Maharashtra, Madhya Pradesh and Uttar Pradesh. He has worked with various state governments, national and international agencies. Arvind coordinates and supports the PAS program, aids documentation and dissemination of innovative practices. He is an expert facilitator for local government training for the program. He specializes in training grass root communities and SHGs/CBOs/ NGOs, district officials and senior government officers. A post graduate in Social Science (M.Sc, Applied Geography), he has a Masters degree in Urban and Regional Planning. He also has a diploma in Human Resource Management from Pondicherry University. email@example.com
Jayshree Bhavsar is a commerce graduate with 22 years of experience in handling basic office operations. She has previously worked as clerk and accounts assistant with an architectural firm. She has the knowledge of voice mixing, editing and providing voice-overs due to her stint with the radio station of Self-Employed Women’s Association (SEWA) Ahmedabad. Jayshree provides computer assistance to the UMC team. Her job profile includes maintaining the data entry and organization’s firstname.lastname@example.org
Karunamoy Agnihotri (Chief Financial and Administration Officer)
Karunamoy Agnihotri has been an integral part of the UMC team since 2007. With core specialization in finance, accounts, procurement, logistics, general and contract administration, he has over 20 years of experience in financial management and administration of donor funded programs. He has vast experience of working for non-governmental organizations, including prominent organizations like Janadhar. He has also worked for the Indian School of Micro Finance for Women (Ahmedabad), Mott MacDonald (UK), CARE India etc. Karan’s key tasks include setting up budgets, monthly forecasts, cash flow, financial planning and analysis, accounting and administrative systems for monitoring and control of day-to-day transactions, FCRA and donor reporting overseeing banking functions and interacting with donors. He is CWA from the Institute of Cost and Works Accountant of India. He has cleared inter-CA of the Chartered Accountants of India. email@example.com
Munindra Joshi Munindraji worked with Gujarat State Archeology Department for 32 years in a variety of roles ranging from exploration assistant, technical assistant, superintendent archaeology, head of office (Saurashtra region), assistant director, head of office (North Gujarat Circle). At UMC, his field experience and expertise provide guidance to the team involved in the heritage survey projects. Munindraji holds a Masters degree in Indian Culture from the Gujarat University.
Rakesh Vasavda has been maintaining the accounts and finance reports since the inception of UMC. With 15 years of experience in accounting and finance management, he assists the senior finance manager in preparing financial MIS, budgets, setting out financial and administrative procedures. He is also responsible for book keeping, file maintenance, issuing cheques and vouchers for the organisation projects and programs. Rakesh holds a first class degree in Commerce from the Gujarat University. firstname.lastname@example.org
(Senior Expert-Urban Management and Urban Finance)
Dr. Ravikant Joshi (Senior Expert-Urban Management and Urban Finance)
Dr. Ravikant Joshi is an Urban Finance and Management specialist and has worked in India and abroad. He is a former chief accounts officer of Vadodara Municipal Corporation with more than 35 years of experience. He has been responsible for the conceptualisation, designing and implementation of Municipal Financial, Budgetary and Accounting System Reforms and their computerization in Vadodara Municipal Corporation. Dr. Ravikant Joshi has been an Advisor – Urban to CRISIL Risk and Infrastructure Solutions, Mumbai. He has worked as a short-term consultant (STC) for multilaterals like World Bank, Water & Sanitation Program, ADB, USAID, DFID, UN Habitat, CLGF and for various national/state level organisations on urban issues. He conceived, designed and spearheaded implementation of Accrual Base Double Entry Accounting System in 159 municipal bodies of Gujarat. Dr.Joshi has written several articles regarding various urban issues / problems deliberately in regional language to create public awareness. He has worked with various civil society organisations like YUVA, PRIYA, JANAAGRAHA, Centre of Environmental Education (CEE), Janawani, Avantha Foundation etc. He has carried out research study and published more than 25 research papers pertaining to urban issues. He has also written books on topics relating to municipal accounting and budgeting as a means of improving urban governance. Dr. Joshi has been a guest faculty at several national and international institutions and served as Chair Professor for Urban Management in Saint Joseph College of Business Administration – Bangalore. Currently he is visiting faculty for urban governance/management, project management, urban public finance subjects to Master of Urban and Regional Planning Program of M S University – Baroda and for Urban Public Finance to School of Urban Planning and School of Habitat Management – CEPT University, Ahmedabad. email@example.com
(Senior Expert-Urban Management and Urban Finance)
Vinay Patel An expert in municipal accounts, finance, income tax and auditing, Vinay has more than 14 years of experience in the field of urban finance and accounts. His key areas of expertise include municipal accounts (conversion of cash to accrual), assessment, finance, FOP preparation and taxation. Vinay assists to capture financial information from the field. He has assessed the municipal finance for the City Sanitation Plan and Solid Waste Management Master Plan for Ahmedabad Municipal Corporation; and prepared a financial operating plan for the City Development Plans for 7 cities of Madhya Pradesh. He worked as program assistant at City Managers’ Association Gujarat (CMAG) where he worked for the Gujarat Municipal Accounting Reform Project. He was involved in working with 159 urban local bodies of the state to prepare Balance sheet on accrual based double entry accounting system. He has supported in financial operating and modeling for Jodhpur Heritage Management Plan (HMP). He is involved in supporting Government of Gujarat for Swachh Bharat Mission-Urban for solid waste management; providing guidance and support for ODF, ODF+, ODF++ to ULBs. He is a part of the technical support unit at Commissionerate of Rural Development, for Swachh Bharat Mission-Garmin in preparing Solid Liquid Resource Management (SLRM) plan for 14,057 GP and 18,000 villages of Gujarat. firstname.lastname@example.org
Xerxes Rao is an architect and urban planner with over 15 years of experience in the field of architecture and urban planning.His experience spans the area of urban planning, urban governance, project management, community participation, capacity building, training and monitoring &evaluation of projects. Xerxes has a diversified skill-set developed over time and spanning from macro to micro management. Having gained experience in Germany and South Asian region in urban planning and management his work in India and Afghanistan has given him the technical experience in managing projects related to master plans, local area plans, capacity building, urban development policy, monitoring and evaluation of programs, project management support to various governments.
Xerxes has worked with various USAID projects in India and Afghanistan.He has been instrumental in leading the projects related to preparation of master plans for Mysore, Amritsar, Srinagar, Puducherry, Bharuch, etc. He has successfully led a team of 10 Urban Planners and GIS experts who are working with Naya Raipur Development Authority to implement the development plan and smart city proposals for Naya Raipur.
He has a wide and varied experience of working with projects funded by various multilateral agencies like World Bank, USAID, ADB and various national & international government organizations.He hasactively participated in training of urban planners at the SIUD, Mysore.
Xerxes has completed his architecture from Vallabh Vidyanagar following which he attained his master’s degree from University of Stuttgart, Germany. He has also done his diploma in project management from IIMA. He is passionate about sustainable solutions for cities relating to land use plans, micro level plans, local economic development, environment issues which can be implemented and replicated by cities. Xerxes is an avid runner and an enthusiastic cyclist. email@example.com
(Social Microenterprise Development and Microfinance Specialist)
Mr. Jeebanjyoti Mohanty (Social Microenterprise Development and Microfinance Specialist Jeebanhas 12+ years of experience in areas of financial inclusion, microenterprise development, microfinance, micro pension, research and analysis. He was previously associated with Small Industries Development Bank of India (SIDBI) to oversee the various developmental initiatives of the bank under KfW Line of Credit – Technical Assistance (TA) component. Prior to this, he was leading the SEP component under NULM at State Urban Development Agency (SUDA), Government of Odisha with Ernest Young LLP. Antecedently, he was associated with NABARD Rural Micro Pension Programme in Odisha at Invest India Micro Pension Services (IIMPS). He has also worked intensively in SHG Bank Linkage Programme at DHAN Foundation, a Madurai based professional development organization in India.firstname.lastname@example.org
(Social Microenterprise Development and Microfinance Specialist)
Dr. Gaganpreetis a development professional with over 9 years of experience in education, skill development, capacity building and environment. She has done PhD from Delhi University (in collaboration with Michigan State University) in the field of environment education and has several publications in national and international journals. She has experience of working with top bureaucracy in the Government of India, initiating and developing numerous policy interventions in the areas of education and skilling. These include policy design and partial implementation of national schemes and frameworks such as National Skill Qualification Framework (NSQF), National Quality Assurance Framework (NQAF), Credit policy for TVET and Aspirational Districts Skill Abhiyan (ASA), State and District Skill Plan framework. Her core competencies include policy design, research and analysis, project management and implementation.
(Social Mobilization and Community Engagement Specialist)
Gurpreet Kaur (Social Mobilization and Community Engagement Specialist)
Gurpreet is a Social development Professional with a post graduate qualification and 25 years of experience in Social Mobilization, Community Engagement, Institution Building and capacity building. Her thematic proficiency encompasses Water, Health, Sanitation and Waste Management projects of UNICEF, World Bank, GIZ, Aus-aid, & International Federation of Red email@example.com
(Social Mobilization and Community Engagement Specialist)
Subhasis is an alumnus of Tata Institute of Social Sciences, School of Public Policy and governance with Urbanisation and social policy as Policy Area Concentration (PAC). Post his B.Tech in civil engineering he was working with a consultant architecture firm. He was also nominated by CUTM and Bhubneshwar Development Authority, Government of Odisha to lead technology students at the first ever smart city campaign in India for Bhubneshwar chapter. He has also interned with E&Y LLP in Technical Support Unit FSSM, Bhubneshwar. He is interested in any development related to sanitation as that directly fits in the narrative of urbanisation and links directly with development and firstname.lastname@example.org
Mandakini is associated with DAY-NULM convergence program at UMC in the capacity of a community coordinator for Bhubaneswar, Odisha. She is a passionate social worker with extensive knowledge of community resources, program development and implementation. Previously she has worked with Social Welfare Agency & Training Institute (SWATI) for four years. email@example.com
Sneha currently works as a Program Associate in the Technical Support Unit to DAY-NULM. She holds a Masters’ degree in Public Policy from St. Xavier’s College, Mumbai and a Bachelors’ in Economics & a diploma in Financial Service from Stella Maris College, Chennai. She spent much of her college life involved in debates and research projects/internships, and has worked with institutions like NABARD and Georgetown University for the same. She also previously served as a Policy Advisor on the board of an NGO in the healthcare sector. firstname.lastname@example.org
Abha holds a Masters’ in Operations from Xavier Institute of Management Bhubaneswar. After completing her Masters’ she joined Zila Swachh Bharat Prerak Programme at Ministry of Drinking water and Sanitation. There she contributed in Swachh Bharat Mission (Gramin) for two years in Odisha. Under SBM(G), she planned and implemented ODF strategies at district and community level. At UMC, Abha is working as a Project Associate for MISAAL in Sambalpur, Odisha. email@example.com
Suchismita is associated with the National Urban Livelihoods Mission (NULM) and Deendayal Antyodaya Yojana (DAY) convergence program at UMC. She is responsible for implementation of DAY-NULM convergence in Paradeep, Odisha.
Prior to UMC, she has worked with Gram Vikas Organisation as village coordinator in Mayurbhanj district, Odisha for two years. She has Master’s in Social Work from RTM University, Maharashtra and Bachelor’s in Social Work from Utkal University.
Anand has experience in development sector spanning 11 years with expertise in participatory approaches and community-led development initiatives for rural areas. He has contributed in domains like WASH, Social Justice, Child Protection, Nutrition, Disaster response and Recovery through capacity building and community engagement interventions.
He has a post-graduate in Social Work and a PGDWASH with Bachelors’ in Economics and a certification of ‘O’ Level from DOEACC (Information and Communication Department Government of India).
Manishankar is associated with NULM and SBM convergence program in Warangal city, Telangana. He has graduated from School of Planning and Architecture, JNAFAU Hyderabad in town planning and post graduated from TERI University, New Delhi in Urban Development and Management. Since the beginning of his career, he has worked on water supply and sustainability, solid and liquid waste management and preparation of master plans. firstname.lastname@example.org
Mrinalini Graduated with a Bachelor’s in Architecture from School of Planning and Architecture and Master’s in Urban Regional Planning from CEPT University. Started a career in the development sector was as a consultant in Jharkhand under the ‘Zilla Swachh Bharat Prerak Program’. The largest of its kind nation building program aimed at supplementing bureaucracy with 600 Young Professionals across all 600 odd Districts in India.
Ishleen focuses on taking UMC’s initiatives both at ground level and policy level to various stakeholders via social media, newsletters, annual reports and other ways of communication depending on the program requirement. She is actively engaged in developing the organisation’s communication strategy for effective information dissemination and engagement. She has worked before with various media houses as a reporter and writer. She has also developed media archive for ‘Punjab Documentation Project’ with Human Rights Law Network. She then worked with Save the Children, documenting efforts of community to build a safer world for children. Ishleen is a Mass Communication graduate and did Master’s in Conflict Analysis and Peace building to pursue her interest in International Relations and Conflict. email@example.com
Neha is an Engineer-urban planner. She brings experience of having prepared DPRs for solid waste management projects and is currently supporting sanitation improvement projects. Prior to UMC, Neha has worked with the 100Resilient cities program pioneered by the Rockefeller foundation for developing Resilient strategy and City Resilience Index for Surat city. She also worked briefly with the Indian Institute of technology Gandhinagar (IIT-GN) for safety related projects development and coordination. She has also worked on a report “Roots to Resilience” on HVRC Vulnerability assessment for South East Asia Region; analysis and risk mapping the impacts on health due to natural disasters for the World Health Organization (WHO). firstname.lastname@example.org
Hetvi is a civil engineer and holds a Master’s degree in Urban and Regional Planning. She brings experience of preparing city development plans, DPRs for a range of urban development projects and plans for rural-urban convergence under the Shyama Prasad Mukherjee Rurban Mission. email@example.com
Rashmita is a development professional with more than thirteen years of experience working with the Government of India, different state governments and with national and international development organisations. She has worked across sectors of urban management, with a focus on gender mainstreaming, social Inclusion and inclusive sanitation.
Rashmita holds a post-graduation degree in English language and social work and a MBA in rural management from Xavier Institute of Management, Bhubaneswar. She has also worked in areas of water-sanitation in Srilanka, Bangladesh and Nepal. firstname.lastname@example.org
Raj is an engineer and holds a master’s degree in urban and regional planning from the Maharaja Sayajirao University of Baroda. He has experience of preparing detailed project reports and undertaking researches related to solid waste management in urban areas. He is currently working on the MISAAL program. email@example.com
Pankaj is an urban planner with a keen interest in technological aspects of water and sanitation. He has a Bachelor’s degree in Urban Planning (B. Tech Planning) from College of Engineering Pune. He has published several research papers in international and national conferences. He has previously worked with the Center for Water and Sanitation (C-WAS), Ahmedabad as Junior Research Associate. He is a Project Associate at UMC and provides technical support to cities under the MISAAL program and other ongoing technical support programs. firstname.lastname@example.org
Smt. D.Venkataramana has over 17 years of work experience in nutrition, health hygiene, sanitation sectors of women and children. She has also served as a district child protection officer in Warangal from 2011-2014 and also as dist. program officer in CARE-India and in the Women and Child Welfare Department, Warangal. A nutritionist by training, Ramana has worked in National Institute of Nutrition, Hyderabad. email@example.com
Ukti is an urban planner with a keen interest in urban governance and urban infrastructure development. She holds a Master’s degree in Urban Management and Development from the Institute of Housing and Urban Development Studies, Rotterdam. She has been involved in development of Strategies for the improvement of service delivery of urban facilities. She has a Bachelors degree in Planning graduate from CEPT University and has explored the impact of gaps and overlaps in Urban Governance on the provision of services as a part of her academics. firstname.lastname@example.org
Shashwat is an architect and holds a masters degree in urban planning from CEPT University Ahmedabad. He has worked on urban development projects with the ULBs in the states of Chhattisgarh and Telangana for their respective State Finance Commissions. He has also worked on NUHM along with the MoHFW and has assisted on projects of UNICEF and MHRD looking at WASH compliance in schools. He has worked as an architect professionally in Hyderabad and Auroville and has also been associated briefly as a faculty with JNAFAU in Hyderabad. email@example.com
Nikita is a development sector professional with about 4 years of work experience in WASH sector. A graduate in Engineering, Nikita has a masters degree in Urban & Regional Planning with specialization in Infrastructure planning. She has contributed in various capacities in preparation of WASH assessment tools, preparation of city based WASH improvement plans, worked as technical consultant in Swachhta Sarvekshan,Swachh Bharat Mission, and supportinginnovations in WASH. firstname.lastname@example.org
Nayan is an engineer and an urban planner with experience in Infrastructure Planning (Solid Waste Management DPRs, service level benchmarking of infrastructure facilities) and Urban Transport Planning (Feasibility studies, micro & macroeconomics in transportation). He holds a Master’s degree from The Maharaja Sayajirao University of Baroda, Vadodara. email@example.com
Aayushi holds a Master’s degree in Habitat Management from CEPT University. She has completed her Bachelors in Commerce from Ahmedabad University with Economics and BFSI as her majors. She has explored ways of achieving municipal financial sustainability during her academics and has also worked on developing a market feasibility model for an industrial park under development by Shapoorji Pallonji. firstname.lastname@example.org
Abinash Bairiganjan is a development professional with over 7 years of work experience in institution building and capacity building of rural and tribal communities, especially women for livelihood promotion. He has experience in implementation of various livelihood development projects in remote places of Odisha and Jharkhand and has worked with PRADAN and TATA TRUSTS. He currently works towards convergence of SBM and NULM works in Bhubaneswar, Odisha. He holds a degree in MBA-marketing prior to joining the development email@example.com
Jay Shah holds a degree of Infrastructure planning and Civil Engineering. He has keen interest in water and sanitation. He is working as a program manager in UMC since more than 4 years. He has steer headed various sanitation projects in UMC. He has significant experience in solid and liquid waste management and provides technical support to the team for the firstname.lastname@example.org
Kedar brings grassroots work experience in sectors of sanitation, solid waste management, WaSH and community engagement. He holds a master’s degree in public policy from St. Xavier’s College, Mumbai and a graduation degree from University of Mumbai. He is a trained climate leader from the Climate Reality Leadership Crops of Climate Reality project by Al Gore, Former VP, USA. He loves to engage in volunteering activities with NGO supporting environment and education. He currently works towards convergence of SBM and NULM works in cities of Odisha. email@example.com
Krishna is a passionate social worker with strong grass root exposure. She holds a master’s degree in social work and a bachelor degree in Arts from Gujarat University. She is engaged in various field level activites of UMC. firstname.lastname@example.org
Krunal Parmar is an urban planner and architect with four years of work experience in the field of the urban sanitation, area development and heritage listing and grading. He is currently engaged in the City HRIDAY plan for Dwarka city , Heritage Listing and Grading of the AUDA’s villages and cities and Ahmedabad Sanitation Action Lab (ASAL). email@example.com
Sandeep brings in 10 years of work experience in project management units for various development and infrastructure projects. He has worked as a Monitoring and Evaluation officer for DFID and IFAD assisted projects in the State of Odisha. He has been associated with some of the flagship programs of Odisha and Govt. of India. He is a MBA graduate in Information Technology and Systems from ICFAI University-Hyderabad and has a good exposure towards Urban Livelihoods and Sanitation. At UMC, he currently leads the state level coordination for convergence of SBM and NULM works in Odisha. firstname.lastname@example.org
Nilesh Prajapati is an engineer and urban manager, with over three years of professional experience in infrastructure development. His area of interest lies in improving urban water supply, solid waste management and urban governance. He holds a Master’s degree in Habitat Management from CEPT University, Ahmedabad and a Bachelor’s degree in Instrumentation and Control from Nirma University, Ahmedabad. email@example.com
Shipra Patel is a civil engineer and infrastructure planner, having keen interest in water, sanitation, solid waste management and municipal financing. She holds a master’s degree in Urban and Regional Planning from CEPT University, Ahmedabad. Having a deep inclination towards groundwater management, she had explored the impact of Sabarmati riverfront on the groundwater level in the vicinity of Sabarmati river during her academics. firstname.lastname@example.org
Vinay Parmar has been working with UMC since its inception. He assists in administrative tasks and logistics to keep the office work smooth; he has a thorough understanding of the importance of office equipments/assets and maintains them on a regular basis. Vinay aids the project teams in typing, scanning, documentation processes and other related work. He also maintains the office library and films of UMC, filing of documents and coordinates with external vendors for logistical arrangements. Vinay holds a degree in Commerce from Gujarat University, Ahmedabad. email@example.com